Total Assets
$309M
Total balance-sheet footings
FDIC Cert #6186 · Loyal, Wisconsin · Est. 1909
Citizens State Bank of Loyal - FDIC Bank Health Profile
A community-scale look at Citizens State Bank of Loyal's own numbers, pulled straight from its quarterly FDIC Call Report.
- $309M
- Total assets
- A
- Health grade · Excellent
- 0.99%
- Return on assets
- 16.7%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens State Bank of Loyal earns a PlainBankData health grade of A (82/100), with well-capitalized at 16.65% Tier 1, 0.99% ROA, 65% efficiency ratio.
- #2,444
- largest of 4,313 FDIC banks by assets
- 43rd
- percentile by asset size, nationally
- 16.65%
- Tier 1 ratio - above the 10% well-capitalized line
- 42nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Citizens State Bank of Loyal's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens State Bank of Loyal's composite health score
Tier 1 Capital Ratio (16.65%) 40/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (0.12%) 20/20
Efficiency Ratio (64.91%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$245M
Customer-funded liabilities
Net Loans
$177M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens State Bank of Loyal ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens State Bank of Loyal's score of 82/100 falls in the highlighted band.
Citizens State Bank of Loyal's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens State Bank of Loyal's $309M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.65%
Texas Ratio
0.12%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
10.69%
Efficiency Ratio
64.91%
What the numbers say about Citizens State Bank of Loyal
Citizens State Bank of Loyal is an FDIC-insured institution (Certificate #6186) headquartered in Loyal, Wisconsin, established in 1909. It holds $309M in total assets - 2,444th of 4,313 FDIC-insured banks, $245M in customer deposits, and $177M in net loans. Looking at capital strength, Tier 1 stands at 16.65%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.12%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, Citizens State Bank of Loyal ranks 97th of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$14M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens State Bank of Loyal reports a Texas Ratio of 0.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank of Loyal (FDIC Cert #6186) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Citizens State Bank of Loyal's health grade?▼
Citizens State Bank of Loyal receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens State Bank of Loyal?▼
Citizens State Bank of Loyal holds $309M in total assets and $245M in deposits, ranking 2,444th of 4,313 FDIC-insured banks by asset size. It is headquartered in Loyal, Wisconsin.
Is my money safe at Citizens State Bank of Loyal?▼
Yes, deposits at Citizens State Bank of Loyal (Certificate #6186) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens State Bank of Loyal's Tier 1 Capital Ratio?▼
Citizens State Bank of Loyal has a Tier 1 Capital Ratio of 16.65%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens State Bank of Loyal?▼
Citizens State Bank of Loyal has a Texas Ratio of 0.12%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens State Bank of Loyal?▼
Citizens State Bank of Loyal has an Efficiency Ratio of 64.91%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens State Bank of Loyal's profile as a depositor or analyst.
- Citizens State Bank of Loyal's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens State Bank of Loyal against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.